Business financing in Clark County.
County-by-county financing guides. No paperwork. No social. No ID.
3 institutions are headquartered inside the Clark County line, Las Vegas included, and 6 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Clark County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 9
- DOORS HERE
- 3
- BASED HERE
- 8
- NV COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 2.3Mresidents of Clark County
- Covers
- Las Vegas
- Elsewhere in NV
- Washoe County →5 doors — the biggest list of any other county in Nevada
- State
- Nevada →8 of 17 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Access Community Capital · Rize Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Aloha Pacific Credit Union · America First Credit Union- Access Community CapitalCommunity lending · Business capital
- Silver State Schools Credit UnionPersonal · Home · Business capital
- Weststar Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Clark County line. You can walk in.
- Aloha Pacific Credit UnionMinority depositoryPersonal · Home · Business capital
- America First Credit UnionPersonal · Home · Business capital
- Communityamerica Credit UnionPersonal · Home · Business capital
- Mountain America Credit UnionPersonal · Home · Business capital
- Operating Engineers Local Union #3 Credit UnionPersonal · Home · Business capital
- IN THIS LIST
2 of the 9 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Rize Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital - Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Clark County holds more than two million people and the busiest hospitality economy in the country, yet the number of lending institutions actually headquartered inside the county line is very small. That gap is the most important thing to understand before you apply. This guide explains what business financing is, who qualifies when your income comes from convention cycles, tipped shifts, and subcontracted work, which documents you will be asked for, which doors serve Las Vegas and the rest of the county, and the traps that cost local operators the most.
It's a process, not a rejection.
Business financing means money to start, run, or grow a business: a term loan on a fixed schedule, a line of credit you draw on only when needed, a microloan for smaller amounts, equipment financing secured by the machine itself, or occasionally a grant you do not repay.
Clark County's economy is organized around visitors. Resorts, restaurants, and casinos anchor it; the convention and trade-show calendar drives a second economy of exhibit fabrication, freight, rigging, install-and-dismantle labor, staffing, and transportation; construction builds and rebuilds both; and warehousing along the interstate serves the region. Around the edges sit thousands of small operators: the drywall sub, the HVAC crew, the commercial cleaning company, the linen service, the food truck, the barbershop, the small trucking outfit, the party rental yard.
Two features of that economy shape financing more than anything else. Revenue here is cyclical in a way lenders can see — the convention calendar and the tourism season produce predictable peaks and troughs, and a lender who knows this market reads them as normal rather than as instability. And almost everyone is paid by someone bigger: if you sub to a general contractor, service a resort, or staff a show, you do the work weeks before the money arrives.
That is why working-capital lines, microloans, and equipment loans are what actually fit here.
Forget what the banks say.
Lenders ask four questions: can you repay, what does your credit or ITIN history show, how long have you operated, and does the business make sense in this market.
The Clark County wrinkle is documentation. A hospitality worker going independent may have years of tipped income that never appeared fully on a tax return. A rideshare or delivery driver has real earnings spread across app statements. An install-and-dismantle contractor may work eighty hours in a show week and almost nothing the next.
A cleaning or catering operation may take a large share of revenue in cash.
All of that is legitimate income. None of it underwrites itself.
Who tends to qualify:
- Trade subcontractors — drywall, electrical, HVAC, plumbing, painting, landscaping
- Commercial cleaning, linen, and maintenance firms with recurring resort or office accounts
- Event, exhibit, rigging, staffing, and transportation companies serving the convention calendar
- Food trucks, caterers, and small restaurants
- Small trucking, courier, and last-mile delivery operations
- Salons and personal-service businesses moving from a chair rental into their own space
An ITIN does not close business lending to you — verified ITIN-friendly nonprofits serve this county and are listed below.
If your business is new or your credit file is thin, a microloan is the honest starting point.
And if you have spent years reporting only part of your income, that decision now caps what a lender can count; the fix is forward-looking, so bank your revenue and talk to a tax preparer before your next filing.
Get your papers in order.
Most business lenders operating in Nevada ask for a version of this:
- 01Government-issued photo ID, and your ITIN or SSN
- 02Nevada state business license
Plus your Clark County or city business license
- 03Your LLC or corporation filing, or sole-proprietor registration
- 04Last two years of personal tax returns, plus business returns if any exist
- 05Three to six months of bank statements — business account strongly preferred
- 06Simple profit-and-loss statement
One you prepared yourself is a legitimate start
- 07One-page description
What you do, who pays you, how the loan gets repaid
- 08Equipment list, if you are offering collateral
- 09Signed contracts
Service agreements, purchase orders, or unpaid invoices
- 10App or platform earnings statements, if you drive or deliver
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
Here is the honest picture, and it is unusual for a county this size: for a population above two million, our directory shows only three institutions headquartered inside the Clark County line, and no bank among them.
ALL 9 DOORS, BY NAME AND BY TOWN- 9
- DOORS HERE
- 10
- ACROSS NV
Based in Las Vegas, Nevada. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in El Monte, California. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in. It is CDFI-certified.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Honolulu, Hawaii. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is a minority depository.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Lenexa, Kansas. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
Small businesses in this county are heavily marketed to, partly because revenue here is visible and seasonal.
Not a loan — the sale of your future receipts at a steep discount, collected by a daily draft. In a seasonal economy it is especially dangerous: the daily draft does not slow down when your slow month arrives.
Taking a second and third advance to service the first is the most common way a viable Las Vegas business fails; if someone offers to "add on" to funding you already have, stop.
No legitimate lender charges a large fee to consider an application.
Your ITIN goes to institutions you have verified, never to an intermediary who found you online.
Check the buyout, the term, and what happens if you return the equipment early — the monthly number is not the price.
In Nevada a notary public is not a lawyer and cannot give legal or immigration advice, whatever the sign says.
No real lender says the offer expires today — take the papers home, total the cost, and compare at least two.
Everything below is set by Nevada, and it reads the same in every county in it. The 9 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Nevada requires a state business license for essentially all businesses, issued through the Secretary of State and renewed annually. On top of that, Clark County licenses businesses in unincorporated areas, and Las Vegas, North Las Vegas, Henderson, Boulder City, and Mesquite each license within their own limits. If you operate across the valley you may need more than one. Sort this out before you borrow — it is cheap to fix early and expensive under a loan deadline.
Nevada has no personal income tax, so the returns a lender reviews are federal. Businesses above certain payroll and revenue thresholds have state payroll and commerce tax obligations instead.
Construction work generally requires a state contractors board license in the right classification, with a monetary limit attached. Working outside your classification or limit puts your ability to collect at risk, so confirm it before you finance work you are not licensed to bill for.
Nevada is a community property state, so a spouse's debts and credit can affect a business loan application, and lenders often ask for a spousal signature. Gaming, liquor, food, and transportation licensing are separate regimes with their own timelines — ask the SBDC to walk you through the sequence, because the sequence is the whole game.
The short version.
- 01
Clark County is a two-million-person market with a very small number of lenders actually headquartered inside it. Knowing that changes your strategy: do not judge your options by the branches nearest to you.
- 02
Start with Access Community Capital in Las Vegas — a community-development lender built for files conventional underwriting turns away. Then the locally headquartered credit unions, Silver State Schools and Weststar. Then the credit unions with a presence here: America First, Mountain America, Communityamerica, Aloha Pacific, Rize, and, if you hold a building-trades card, Operating Engineers Local Union #3. If documentation is the blocker, go to the verified ITIN-friendly nonprofits — Accion Opportunity Fund, Grameen America, Mission Asset Fund.
- 03
Before any of it: get your Nevada state license and your county or city license in order, deposit your cash revenue, gather your contracts and invoices, and get free counseling from the Nevada SBDC or SCORE. Ask every institution whether they lend to ITIN holders and whether they report your repayment to the credit bureaus. And refuse merchant cash advances until every other door has actually said no.
- 04
Origen Capital is a directory, not a lender. We do not collect your information and we do not sell financial products. Use this page as a starting point, and work directly with a licensed lender, credit union, or nonprofit CDFI when you are ready to apply.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN CLARK COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN CLARK COUNTY →8NV COUNTIES WITH DOORSThe whole stateEvery county in Nevada, in this same lane.10 institutions fund small businesses inside Nevada county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.